## Tom Oscherwitz

### Tom Oscherwitz is the General Counsel at Informed

Tom Oscherwitz has over 25 years of experience as a senior government regulator (CFPB, US Senate, US House) and as fintech legal executive working at the intersection of consumer data, analytics, and regulatory policy (ID Analytics, Plaid, FairPlay, Aire). He holds a B.A in American Studies with Honors from Stanford University, and a law degree from U.C. Berkeley School of Law.

##### Areas of Expertise
- Financial Services Regulation and laws
- Fintech Startups
- Artificial Intelligence Policy
- Consumer Reporting
- Consumer Protection
- Privacy and Identity Fraud

##### Former Positions
- VP of Public Policy and Regulatory Affairs (Fairplay.AI)
- Regulatory and Compliance advisor (Plaid)
- General Counsel, Aire
- AI Policy Lead, CFPB
- Asst Deputy for Office of Supervision Policy (CFPB)
- VP of Government Affairs and Chief Privacy Officer (ID Analytics)
- Counsel, Senate Judiciary Committee (US Senator Dianne Feinstein (D-CA))

##### Awards
CFPB 2016 – Director’s Mission Achievement Award

#### The Latest Articles by Tom Oscherwitz

### [AI Industry’s Role in Defining Financial Services Standards](https://www.unite.ai/financial-services-generative-ai-regulation-sr262/)
June 2, 2026

### [Why Your Manual Fraud Analysts May Be Looking at the Wrong Things](https://digitaldealer.com/news/why-your-manual-fraud-analysts-may-be-looking-at-the-wrong-things/170708/)
May 29, 2026

### [AFSA Vehicle Finance Conference Recap: Auto lending leaders call for collaboration to fight fraud](/content/afsa-vehicle-finance-conference-recap-auto-lending-leaders-call-for-collaboration-to-fight-fraud/index.html)
February 18, 2026

### [Tipping the Seesaw: How Financial Deregulation Opens the Door to Fraud](/content/tipping-the-seesaw-how-financial-deregulation-opens-the-door-to-fraud/index.html)
January 28, 2026

### [Fair Lending Is Dead, Long Live Fair Lending…](https://nonprimetimes.com/fair-lending-is-dead-long-live-fair-lending/)
November 11, 2025

### [Fair Lending is Dead, Long Live Fair Lending](/content/fair-lending-is-dead-long-live-fair-lending/index.html)
October 29, 2025

### [Digital Footprints: How Lenders Can Use Real-World Data to Combat Document Fraud](/content/digital-footprints-how-lenders-can-use-real-world-data-to-combat-document-fraud/index.html)
August 27, 2025

### [Tips for Auto Industry Stakeholders to Navigate AI Hallucinations](/content/tips-for-auto-industry-stakeholders-to-navigate-ai-hallucinations/index.html)
July 30, 2025

### [How a Humanities Degree Can Give You an Edge in the AI Job Market](/content/how-a-humanities-degree-can-give-you-an-edge-in-the-ai-job-market/index.html)
July 9, 2025

### [What role should consumers have in combating AI-generated fraud?](/content/what-role-should-consumers-have-in-combating-ai-generated-fraud/index.html)
May 28, 2025